Non-bank lenders are playing an increasingly influential role in the financial services market, offering vital funding options to businesses and consumers alike. Their success has made them attractive acquisition targets for banks, investors, and other lenders seeking to expand their market share. However, acquiring a non-bank lender presents unique legal, regulatory, and commercial challenges that require careful navigation.
In this article, Guy Morgan and Stephanie Tsang examine the key considerations for buyers, including managing complex financing arrangements, navigating regulatory approvals with the Financial Conduct Authority (FCA) and Prudential Regulation Authority (PRA), addressing compliance and consumer protection issues, and ensuring the strength and stability of management teams post-acquisition.
Drawing on real market examples and recent transactions, they provide practical insights for anyone considering an investment or acquisition in this fast-evolving sector.
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